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Recent clinical trials demonstrate that the blend of healthful probiotic bacteria in EvoraPlus™ replenished daily, literally 'crowds out' the harmful bacteria responsible for tooth decay, gum disease & bad breath.
At the same time these oral probiotics produce a gentle dose of hydrogen peroxide that whitens teeth.
The result of more than 25 years of research, which began at the Harvard-affiliated Forsyth Institute in Boston and continued at the University of Florida, the EvoraPlus technology has only recently become available for the general public.
Probiotic Mix 'Crowds Out' Bacteria Harmful to Teeth
The ProBiora3™ probiotic blend in EvoraPlus mints binds to the surface of the teeth, crowding out harmful bacteria by competing for the same nutrients and surface spaces. With daily use, these beneficial bacteria – the natural residents of very healthy mouths – colonize to provide a constant and expanding protective population, and crowd out the problematic, harmful bacteria.
Permeates Beneath the Gum Line Quickly, Clinical Studies Show
Studies have shown that after 30 days of using EvoraPlus these probiotics have permeated beneath the gum line and become established in the periodontal pocket.
Clinical trials showed that using EvoraPlus twice daily can substantially reduce the levels of both dental and periodontal pathogens in the mouth. The studies found that the levels of periodontal pathogens were reduced in plaque samples taken from below the gum line, at the bottom of the periodontal pocket.(1)
Works Where Mouthwash and Toothpaste Can't
Existing mouthwashes and toothpastes that typically contain an antibacterial agent are able to affect only those areas of the mouth that the rinse is able to directly contact, which limits their effectiveness to contact with plaque above the gum line.
Furthermore, the antibacterial agent is quickly washed from the mouth, while the EvoraPlus bacteria have a prolonged duration of contact with disease-susceptible surfaces in the mouth, and thus a prolonged beneficial activity.
This is crucial because if harmful bacteria are allowed to over-populate and colonize deep into the periodontal pocket beneath the gum line, the oral imbalance creates the conditions for poor oral health and advanced periodontal disease. To address this, it is increasingly more common as well as very painful and expensive to have a dentist clean teeth below the gum line.
Research has revealed that even after the aggressive process of scaling to clean out the periodontal pockets, the future oral health of the patient is determined by the type of bacteria that colonizes first in the base of that clean pocket.(2)
If the bad bacteria are there first, the unhealthy condition will quickly return. If the beneficial bacteria are first, then good oral health will be established. EvoraPlus can provide significant results by rebalancing the oral flora in a simple, painless, non-invasive daily routine. No other product impacts oral health below the gum line to get to the root of the problem.
Avoid the Indiscriminate Damage & Imbalance Caused by Antibacterials
Antibacterial mouthwashes and breath fresheners promote killing up to 99.9% of bacteria and germs in the mouth. These products indiscriminately wipe out both the essential, good bacteria along with the harmful bacteria.
Within one to two hours after using antibacterial mouthwash or breath freshener, the surviving 0.1% of the bacteria remaining in the mouth can repopulate the full level of harmful bacteria that was present in the mouth before the product was used.(2)
This indiscriminate destruction of bacteria creates ongoing imbalances in the microflora that naturally inhabit the oral cavity and support the first step in healthy digestion.
Whiten Teeth Naturally
Yellowing, surface discoloration or staining are all results of lifestyle choices: tobacco use, coffee, tea, beets, etc. Anything that that will stain a white T-shirt will affect the color of the teeth, because tooth enamel is porous, filled with microscopic cracks and pores that hold onto staining products.
• Commercial tooth whiteners employ extremely high levels of chemical hydrogen peroxide which can actually damage the tooth and create a roughness on the tooth's surface.
• This increases the film that builds up on the tooth surfaces and in the micro cracks and is available to hold on to stains.
But the probiotics included in EvoraPlus are specifically formulated to safely and constantly release a low level of natural hydrogen peroxide as a normal by-product. This continuous low dose of hydrogen peroxide naturally whitens teeth without creating tooth sensitivity or gum irritation.
As these probiotics are replenished daily, they create a gradual whitening with the full benefits of long contact times, delivering 24-hour coverage of balancing and brightening.
Create the Condition Needed for Sweet, Healthy Breath
The key to beating bad breath is keeping the bad bacteria that inhabit the mouth in check. The blend of beneficial bacteria incorporated in EvoraPlus are natural antagonists of odor-creating bacteria in the mouth, working quickly to create and sustain the healthy balance of microflora that results in longer lasting, truly fresher breath.
By both binding to the teeth and permeating deep beneath the gum line, the beneficial bacteria work to inhibit and exclude destructive bacteria from overpopulating and creating imbalances in the mouth.
Twice Daily Use of EvoraPlus…
Can help safely maintain and promote oral health by normalizing the balance of the indigenous flora in favor of microorganisms associated with healthy teeth, healthy periodontal or gum tissues, and fresh breath – while gently whitening teeth.
1. "Preliminary assessment of safety and effectiveness in humans of ProBiora3, a probiotic mouthwash," Zahradnik RT, Hillman JD, et al. Journal of Applied Microbiology, Aug 2009; Vol 107: pp. 682-690.
2. "Clinical, microbiological and immunological features associated with the treatment of active periodontosis lesions," Haffajee AD, et al. Journal of Clinical Periodontology, Oct 1984; Vol 11: pg. 600-618.
Note: Never feed Evora to your dog, as it contains the natural sugar-free sweetener xylitol, which is metabolized differently in dogs than in humans (as is chocolate, for example) and can be very harmful to them.


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There are 175 state parks consisting of more than 791,000 acres, hosting more than 31 million visitors a year. Florida State Parks could not succeed without the help of volunteers. In 2015, volunteers contributed more than 1.2 million hours. Find out how you can volunteer at a state park.
Friends of Florida State Parks
Friends of Florida State Parks is a statewide citizen support organization whose dedicated members and volunteers help support the entire Florida State Park system by preserving, protecting and ensuring accessibility to state parks, educating visitors about the value of state parks, encouraging community engagement and active use of state parks, and providing financial support to supplement state funding. For more information, visit the Friends of Florida State Parks.
Florida Greenways & Trails Foundation
The Florida Greenways & Trails Foundation is Florida's chief advocacy organization for non-motorized trails. The Foundation supports greater use of trails for recreation, for fitness and health, for reducing carbon emissions, for attracting leisure travelers, for building community, for beautification, and for a larger role in evolving multi-modal transportation policy.
Friends Groups
Friends groups, also referred to as Citizen Support Organizations (CSO), provide support to individual parks by volunteering, educating visitors, hosting events and raising funds for specific park projects. There are currently 86 friends groups supporting state parks throughout Florida.
Florida Conservation Corps
The Florida Conservation Corps works to develop natural and cultural resource leaders by connecting them to areas of critical need in conservation, preservation, interpretation and resource-based recreation. The program encompasses Project A.N.T. (AmeriCorps Non-native plant Terminators) and Park Cadets.
Life Program
Are you interested in working with middle school students as they explore the natural world? The Learning in Florida's Environment (LIFE) program brings students out of their classrooms to learn science in Florida State Parks. The LIFE program offers a variety of volunteer duties and spans throughout Florida to include 22 state parks and many other public access lands along the way.

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Sunday , July 08, 2018 - 5:30 AM
MATT HERP/Standard-Examiner
Standard-Examiner All Area soccer MVP Jaiden Marriott of Bonneville High School poses for a portrait Tuesday, June 26, 2018, at his home in Ogden.
COACH: Morgan's Jared Andersen | ALL-AREA TEAMS
SOUTH OGDEN — Jaiden Marriott and his brothers love to play soccer in their backyard in South Ogden.
But they just kept breaking whatever goal they were shooting at, whether it was a lacrosse goal from their neighbor or a flimsy, pop-up mesh goal. Or, they would shoot at a tree where a missed shot would fly into a neighbor's backyard.
His mother got tired of them breaking goals and, for Christmas 2017, bought the boys a sturdy goal, the kind one finds on actual soccer fields.
It's the kind that's seen as a solid investment if you have a bunch of children who like to play soccer in the backyard.
The timing is interesting.
In the 2018 soccer season, Marriott, this year's Standard-Examiner All-Area Boys Soccer Most Valuable Player, scored 26 goals while leading Bonneville High to a Region 11 championship.
"That definitely came into my mind, like, 'Wow my really good season just happened right after I got this goal in my backyard,'" Marriott said.
The big forward tore through opposing defenses seemingly every game. There were few stretches where it seemed as if he was going to shatter Utah's single-season goals record of 40, set in 1990 by Springville's Jon Bailey.
In mid-March in a driving rainstorm, the Lakers trailed at home to Stansbury 2-0 within the first 20 minutes in their region opener.
Then Marriott scored four goals and Bonneville won 5-2. A week later, he netted a hat-trick in a 5-2 win over Ogden.
As the regular season wound to its conclusion, Marriott picked up form again. He had four goals in a 5-2 win at Ben Lomond, two more in a 5-1 win over Tooele and all four goals in a 4-0 win over Park City where the Lakers clinched the outright region title.
That was on top of game-winners against Park City on March 30 and Ogden on April 13.
"I don't think very many people expected what happened to happen, except (assistant coach Jared Anderson)," Marriott said.
Marriott says his season would've been different if not for fellow forward Joe Cloward, who scored 12 goals but importantly tallied a team-high 16 assists. That combination up top proved too much for just about every opposing team this season.
"It wouldn't have been as good, not even close. He assisted like half of my goals, it was just awesome," Marriott said about Cloward.
All this came after some struggles in front of net with his club team, La Roca Futbol Club. He missed a ton of chances — so many he says he got used to it, no matter how much it bothered him to not score when he thought he should have.
"I had a really hard time finishing, from the summer really last year to right before high school started I had a lot of trouble finishing and my coach was like, 'We're going to get it, we're going to get it,'" Marriott said.
Last year he would've worried about it. This year he moved on, knowing there were going to be more chances to score. There were tons, and many of them ended up in the back of the net.
You can reach prep sports reporter Patrick Carr at email@example.com. Follow him on Twitter at @patrickcarr_ or like him on Facebook at Facebook.com/patrickcarr17.


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Are you a licensed teacher seeking career advancement into the field of curriculum design? As schools begin to focus more thoroughly on teaching effectiveness, demand for knowledgeable curriculum and instruction professionals is steadily increasing.
LeTourneau University's online Master of Education degree in Curriculum and Instruction is designed for busy educators like you who want to prepare to address curriculum and instruction issues at the campus and district level without having to quit their current jobs.
Students complete one online course at a time, with each course lasting three to seven weeks. Each week, coursework begin on Monday, with most assignments due on Sunday by midnight. The entire Master of Education: Curriculum and Instruction program can be completed in two years or less, depending on your course load.
Possible career available upon completion of this degree program include:
As a student of LeTourneau University, you'll benefit from our experienced faculty, caring environment, and academic advisors and career mentors who are dedicated to helping you succeed.
We strive to offer valuable student resources to our online learners. You will also always have a way to be in contact with your classmates, professor and other support staff.
You can apply online immediately or, to discuss how you can begin taking advantage of this opportunity to advance your career potential, please call 1-866-873-5388.
Not quite what you're looking for? Here are a few other programs that might interest you:


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As we wrap up the year here at Hulu HQ, I'd like to send – on behalf of the whole Hulu team – a very big thank you to our customers. It is our customers that make Hulu possible and it is our customers that have enabled this service to thrive in 2009.
As a business, we were extremely fortunate in 2009. Some highlights:
– Monthly users of Hulu, as measured by comScore, grew to over 43 million, a 95 percent increase over this time last year.
– Monthly streams, as measured by comScore, grew to 924 million, a 307 percent increase from this time last year.
– Hulu's content library doubled over the past year. We now offer over 14,000 hours of premium content, up from 5,600 hours at this time last year.
– We grew from 130 content partners last year to over 200 today, which includes the addition of Disney/ABC content.
– The number of advertisers/marketers we have served has more than doubled, growing from 166 to 408. As a team, we are extremely excited about the atypically strong results we have been able to drive for our marketing partners.
– 6.4 million Hulu video players were embedded across the web in 2009, a 237 percent jump from 2008 levels. To date, Hulu players have been embedded on over 207,000 websites.
– Some of the more prominent consumer-facing innovations from 2009: Hulu Desktop, Captions Search, Continuous Play, Tags, and the ongoing innovation hub that is Hulu Labs.
– Our search service managed nearly 1 billion search queries in 2009, up 175 percent from 2008.
– The five most popular shows on the service in 2009:
– Hulu's most embedded video of 2009 was the live stream of Barack Obama's inauguration.
– The most popular clip on Hulu in 2009 was "Motherlover", a Saturday Night Live Digital Short.
– The most popular full episode on Hulu in 2009 was Family Guy's "Stew-Roids."
– Our customers had a lot to say about us in 2009, and we listened carefully. Some of the more colorful comments (via Twitter):
- BradMays: If Hulu.com truly is an evil alien plot to take over the world…I've already been assimilated.
- andrewjmay: Dear Hulu, This has been on my mind for a while now, but tonight is the night that I let you know my true feelings….I love you.
- kiki_miserychic: I'm getting a coffee from McCafe tomorrow because Hulu told me to do it. My brain is liquidy slush.
- Tiffanyasapun: found Hulu.com and my feet hurt. Those 2 are unrelated.
– Hulu was fortunate to receive a number of awards over the last year, including being named the World's 3rd Most Innovative Company (Fast Company, March 2009), being included in TIME magazine's Top 50 Best Websites, and ranking among the Top 5 fastest rising Google search terms.
We recognize that what we are aspiring to do is extremely ambitious and filled with considerable risk. But that has always been the nature of this pioneering journey. We have incredible conviction both in our product vision and in our customer obsession. We believe that customers deserve to have a service that enables them to find and enjoy the world's premium content … when, where, and how they want it. We are resolute in this mission and are here to make it a reality.
On behalf of the Hulu team, thank you for joining us in the adventure that was 2009 and we look forward to even greater heights in 2010.
Jason Kilar ()
CEO, Hulu
P.S. Some "behind the scenes" moments at Hulu in 2009:
Our head of distribution, Pete Distad, walked into his office earlier this year to find that it had been aluminum-foiled.
Some of Hulu's hard-working, kick-butt developers taking some time off near the Beijing Development Center.
Hulu has a come as you are dress code … even if that means you are a garden gnome or Manny Ramirez.
The Hulu team hanging out by the pool on the set of the upcoming If I Can Dream television show.
Summer 2009: our first annual Hulu team golf tournament. Given that we are all horrendous at golf, we decided to instead keep score based on style.
We tend to get passionate about our marketing partners' businesses. Here is some of the team product testing a new Taco Bell product.
The Hulu crew catching a 3D commercial during the Super Bowl … minutes before Hulu's evil plot to destroy the world was publicly revealed.
Catching an 18-minute sneak preview of Avatar months ahead of the film's theatrical release.


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March 18, 2006
BOWLING GREEN, Ky. _ The Lipscomb Lady Bisons softball team split a doubleheader with Western Kentucky University Saturday afternoon, winning the opener 5-1 and dropping the nightcap 3-0.
"We played pretty well all day," said Lipscomb coach Kristin Peck. "We hit the ball really well in the first game against a good pitcher. That was definitely good to see."
In game one the Lady Bisons scored three runs in the third inning. With one out Niki Bails reached base on an error by the shortstop. Julia Davidson rapped a single up the middle. Heather Collins slammed a three-run homer to left center.
In the fifth inning, Bails again reached bases on an error with one out. This time the miscue was by the second baseman. Davidson then hit a two-run home run to left center.
Western Kentucky prevented the shutout with a run in the sixth inning.
Davidson, Collins and Sara Meek each had two hits in the Lady Bisons eight-hit attack.
"Heather and Julia obviously had the big hits, but we had quite a few other hits to get people on base," said Peck. "And we executed well when we did get runners on base.
"We've shown some power. When we do get runners on we get a big hit or we don't get anything. That is frustrating, but we will definitely take the big hits when we can get them."
Meek picked up her fifth win of the season, allowing only three hits. She walked one batter and struck out seven.
"Sara pitched a great game," said Peck. "She gave up the one run late on a couple of hits.
"It was good to win the first game of the doubleheader against a team like Western Kentucky. They have had some big wins this season."
In game two Western Kentucky scored one run in the third inning and two in the fourth.
The Lady Bisons were held to only three hits with Leigh Little, Bails and Jessica Wilson each getting a single.
"We came out and played well in the second game, but we had a crucial error and we didn't hit the ball quite as well," said Peck. "Their pitcher was throwing a little differently than the pitcher in the first game. We started adjusting late and tried to get something going, but it was too late."
Kim Jacobson was on the mound for the Lady Bisons. She gave up only four hits. Only two of the three runs were earned. She did not walk a batter and struck out five.
The Lady Bisons return home to Draper Diamond Tuesday afternoon at 1 p.m. for a doubleheader with Tennessee Tech, a team they dropped a pair of games to on the road Feb. 28.
"We are just looking to improve with every game," said Peck. "They are a close team, but our players are starting to learn to play better with each other on the field.
"Tennessee Tech has a good, solid team with good pitching. We didn't hit the ball well at all against them. It will be interesting to see how we come out against them now that we are playing a little bit better and now that we have a little more momentum."


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If you are looking for great gift ideas that won't break the bank, you are bound to find the perfect gift in our collection of clearance items here at IWOOT. With a wide range of products including cool home accessories, fun novelty gifts and must-have gadgets, finding affordable gift ideas for dad, gifts ideas for mum or even gift ideas for yourself has never been so easy. If you want to be the first to get your hands on something truly unique then why not check out our new gift ranges? Or maybe you would like to give your home a re-vamp with some funky new homeware including bathroom accessories and other homeware sale items.


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Program Components, Curriculum and Fees | Nutrition | Health & Behavior StudiesSkip to content Skip to main navigation
In the Department of Health & Behavior Studies
Program Components, Curriculum and Fees
The following graduate courses within the Teachers College Nutrition Program are required to be taken either before or concurrent with the Dietetic Internship Program. It is strongly recommended that these courses, which are required courses for each of the master degrees in nutrition, be taken prior to beginning the Internship, as it is the belief of the Nutrition Program faculty that these courses will prepare you to perform adequately in the Internship.
- Strategies for Nutrition Education and Behavior Change (HBSV 5013)
- Nutrition Care Process and Medical Nutrition Therapy I & II (HBSV 5033 & HBSV 5034)
- Nutrition Counseling (HBSV 5331)
Other master's courses may be taken concurrently with the Internship.
The Internship is a full-time program, requiring eleven months to complete. The curriculum includes four experientially-based modules which are offered in the following sequence:
- Module I (3 credits - 420 practice hours) Clinical or Community practice hours
- Module II (3 credits - 420 practice hours) Clinical or Community practice hours (whichever is not completed in Module I)
- Module III (2 credits - 200 practice hours) Food Service Management
- Module IV (2 credits - 180 practice hours) Independent Practice and Research
Completion in full of the Teachers College, Columbia University Dietetic Internship Program requires registering for 10 graduate credit hours. Two of these credits are applicable to the M.S. degree. In addition to the 10 credits of tuition (refer to the catalog for current rate), the following fees should be anticipated:
- Teachers College application fee -- $65
- College fee -- $388 per semester
Students satisfactorily completing the Dietetic Internship Program should be able to demonstrate the full range of knowledge, skills and competencies in accordance with the commission on accreditation for dietetics education competencies and learning outcomes.
- Dietetic Internship Program
- Examples of TC Dietetic Internship Practice Sites
- Program Mission and Philosophy
- Program Goals
- Program Components, Curriculum and Fees
- Frequently Asked Questions
- Scholarships Available for the Dietetic Intership Program
- Admission Requirements
- Application to Dietetic Internship Program


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See Page 12 See Pages 5356 Serving Nassau County, Brooklyn, Queens, Manhattan, Bronx, and Staten Island See Pages 3, 4 5 1.00 WWW.5TJT.COM VOL. 13 NO. 8 2 KISLEV 5773 NOVEMBER 16, 2012 FROM
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FROM THE EDITOR Continued from Front Cover now anyway, we try to move on. And I really do not want to dwell on the recent presidential election or revisit the elongated clash between President Obama a
5 TOWNS JEWISH TIMES November 16, 2012 7
FROM THE EDITOR Continued from Page 6 So where do you find a venue to accommodate 4,200 Lubavitcher emissaries and another 500 of their lay lead ers from around the globe Not an easy task, but fortun
5 TOWNS JEWISH TIMES November 16, 2012 9
BAGEL STORE Continued from Front Cover bers 250,000 cars have been lost in the deluge now known as Superstorm Sandy. Cars filled with salty seawater had their electronic gadgetry destroyed. They were
LUACH November 15 November 24 July 1July 9 ZIP Code 11516 1 Kislev Thursday, November 15 Rosh Chodesh Kislev 2 Kislev Friday, November 16 Daf yomi Shabbos 44 Zmanim Earliest tallistefillin Sunrise La
FEATURES Business Halacha R Meir Orlian P.O. BOX 690, LAWRENCE, NY 11559 editor5TJT.com ads5TJT.com 5165690502 LARRY GORDON PublisherEditor ESTA J. GORDON Managing Editor Classified Ads A Clever Titl
BAGEL STORE Continued from Page 10 the disaster. Rabbi Chaim Wakslak stands outside in front of the shul asking people who approach the synagogue what they need. If its a meal, it is inside. If they n
BAGEL STORE Continued from Page 13 the assault of the nearby sea. Whereas water was a serious issue for many nearby communities, here in Long Beach the onetwo punch consisted of water and sand that no
if the shelter she is referring to is about families having personal issues or related to homes that cannot be lived in because of Hurricane Sandy. But then, when she clarifies that 25 women and their
16 November 16, 2012 5 TOWNS JEWISH TIMES
BAGEL STORE Continued from Page 15 It looks like short of offering payoffs to linemen, there were no answers to be found to what, how, or when the electricity would be restored. Even elected officials
HALACHIC MUSINGS Continued from Front Cover Shabbos, they are being utilized. They are portable basketball hoops. What is the halachic status of this pastime when done on Shabbos Should parents discou
position. But even according to this more lenient view, the permission is limited to yom tov and not Shabbos. If this is the sole reason which is by no means clear, then in our communities, where an e
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CALCALA Continued from Front Cover coming January 22 elections. Calcala is the first party in Israel founded by American immigrants to make such a splash. Benny Goldstein has resided in Israel for man
HALACHIC MUSINGS Continued from Page 19 thorities, on account of ballplaying running out of control. Hundreds of years later, in the time of the Maharitatz, another great city also fell victim to Shab
WINDS Continued from Front Cover or so years since moving here with my family from Brooklyn. Years ago I was fortunate enough to have served as a rabbi of a congregation in New Jersey, and when I reti
5 TOWNS JEWISH TIMES November 16, 2012 25
The World Of Choni HaMagil BY RAV ARYEH Z. GINZBERG CHOFETZ CHAIM TORAH CENTER In Masechta Taanis we find the famous story of Choni HaMagil, of how Hashem caused him to fall asleep and remain asleep
come to Klal Yisrael in unimagined proportions. And then the calls began, followed by the emails, and then the pictures. The heartrending pictures of the total destruction of friends homes in Seagate,
Stop Leaving Money On The Table BY SHIA GETTER It is said that the easiest way to get a point across in a way that will sink in is to use a story. So, this week, let me share three stories related to
Senator Avella Visits Yeshiva Har Torah On Monday, November 5, State Senator Tony Avella, of District 11 in Queens, toured the facilities of YHT and spoke with the 5thgrade classes. Senator Avella ha
BUSINESS WEEKLY Restoring the Primacy of Choshen Mishpat By Rabbi Meir Orlian If Theres A Will, There Is A Way Continued from October 28 issue Rabbi Dayan, Mr. Berger, his daughter Bracha, and her h
5 TOWNS JEWISH TIMES November 16, 2012 31
Dirshu Shabbos Kinnus Olam HaTorah Meein Olam HaBa BY RABBI NACHMAN SELTZER It was Parshas Chayei Sara, 5773 the location the DoubleTree Tarrytown Hotel in Tarrytown, New York the occasion Dirshus Sha
HaGaon HaRav Moshe Mordechai Lowy, shlita, Mara DAsra of the Agudas Yisroel of Toronto, spoke during the Friday evening seudah. He discussed one of Parshas Chayei Sarahs major themes, that of Rivkah I
Meein Olam HaBa Continued from Page 33 Shabbos Day Of course, there were Daf Yomi shiurim before davening on Shabbos morning, delivered by Rav Dovid Hofstedter and Rav Nuta Silber. This was, after al
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psachya Ticket Prices Judaica World of Crown Heights 36 54 75 100 Tickets can be purchased at VIP 200 Torah Treasures Eichlers Boro Park Flatbush Judaica Place on Ave M All proceeds are taxde
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Hope In The Face Of Despair A Yeshiva With A Fresh Start BY RABBI DR. BOAZ TOMSKY PRINCIPAL, YBH Although this is another story about the horrific events that befell a community due to the devastatin
Obama Won, America Lost Election Reflections Tidbits From Israel BY RON JAGER After spending election night banging the wall with my head in disbelief, I realized that what was valid in American polit
THE DISH By Elke Probkevitz Save Time And Cook Slow In the hectic life of a busy mom, getting delicious fresh meals to the table every night can be a difficult task. The slow cooker, or CrockPot, is
insights on THE TORAH Toldos Yitzchak On His Own BY RABBI YITZCHOK D. FRANKEL AGUDATH ISRAEL OF THE FIVE TOWNS Throughout his life, Avraham Avinu experienced situations and circumstances that were un
42 November 16, 2012 5 TOWNS JEWISH TIMES
TOLDOS Continued from Page 41 body the special avodah of Yitzchak Avinu As we examine the Torah, we find a solitary instance that sets Yitzchak apart from Avraham and Yaakov, expressed so briefly that
TOLDOS Continued from Page 43 However, only when Yaakov earned it in the area of peace by miraculously maintaining good relations with Lavan and Eisav was the aspect of Yisrael completed. That is why
Yitzchak, while retaining the quality of din that was his essence, ultimately saves all of Creation. What does din mean We find the answer at the beginning of Creation In the beginning, Elokim created
Rav Aharon Kotler, The Early Years, Part 3 BY RABBI YAIR HOFFMAN Although the name of Rav Aharon Kotler, ztl, is well known in Torah circles, very little biographical information of his earlier life
5 TOWNS JEWISH TIMES November 16, 2012 47
Back In Pain BY MORDECHAI SCHMUTTER This weeks article is about lowerback pain. Never mind why. Okay, fine. Apparently, Im getting to the age where I occasionally do something to my back. This was bro
and those poles are getting heavier every year . . . See, with shin pain, I know. Why is my shin hurting Probably because I banged it on the coffee table just now. Im just glad my back didnt seize
Rav Kotler Continued from Page 46 nancial situation was so bleak. While in America, however, he did not rest. In the short months that he was in America, he attempted to transplant the love and depth
Home Is Where The Heart Is BY MICHELE JUSTIC Where can you turn to when your house is flooded and youre surrounded by cold and darkness When people began climbing out of the mess from Hurricane Sandy,
Home Continued from Page 51 and socks, as well as more downtoearth products such as toothpaste and soap, were made available to thousands of families thanks to donations from Mr. Stanley Schuckman of
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Home Continued from Page 52 felt people cared. People were there. There was food and whatever else we needed. The Wolowiks and the Geisinskys know the right thing to say all the time, even to people t
5 TOWNS JEWISH TIMES November 16, 2012 59
Another Mothers Musings By Phyllis J. Lubin After The Storm This past Shabbos, we celebrated the coming of Kislev, the month of lights. How fortuitous, since on this special Shabbos we truly were cel
ka, at Stern College, was another story. Somehow with Rivka living in a highrise dorm building in New York City I thought she was in a safer place than we were, living on the Island. Classes on that M
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MOTHERS MUSINGS Continued from Page 61 who didnt get their power back until this past motzaei Shabbos worked tirelessly with many volunteers to keep our powerlacking community mem er in my inlaws hom
real estate mortgage financing By Anessa V. Cohen The Sandy Diaries, Part 2 The Aftermath Whats there to say about the aftermath of this storm So many things come to mindshock at the sheer size of t
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REAL ESTATE Continued from Page 64 cars running and their cell phones charging as they placed calls to insurance companies and cleanup people alike. Since so many were using cell phones, there was a g
MINDBIZ By Esther Mann, LCSW Putting It All Together The dust is beginning to settle, at least for many of us. If youre among the unfortunate people who have to first tackle the prospect of dealing w
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70 November 16, 2012 5 TOWNS JEWISH TIMES HEALTH SECTION
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AROUND THE FIVE TOWNS Continued from Page 75 Rabbi Jakubovics class packaged Shabbat treats generously donated by ID of West Hempstead to be delivered to continue to be ongoing needs in some of the h
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Under The Stars On The Sands Of Long Beach BY RABBI NOCHEM TENENBOIM EDITED BY JEFFRY LANE It was two days after the storm hit, the hurricane that may be the worst storm any of us would see. Chabad r
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IAF Strike Kills Hamas Commander Egypt Recalls Envoy The Palestinians fired 50 rockets from Gaza on Wednesday night after an Israeli air assault killed the Hamas military chief Ahmed Jabari and destro
IAF Strike Continued from Page 97 Spokesman, Brig. Gen. Yoav Mordechai, announced, We are at the beginning of a widescale attack, in view of the unbearable situation of the residents of the South. Whi
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Man suffers serious burns in Plaistow house fireBy Jason Schreiber
Union Leader Correspondent
May 17. 2013 7:01AM
PLAISTOW - A man suffered serious burns to his hands and feet after a two-alarm fire destroyed his home early this morning.
Fire Chief John McArdle said William C. Bartlett escaped his burning home at 9 Sweet Hill Road by climbing out a window, but because of his burns, he was flown by medical helicopter to Massachusetts General Hospital for treatment.
The fire was reported around 2:45 a.m. The first police officer on the scene arrived within about three minutes and discovered the two-story colonial house engulfed in flames.
Nearly 30 firefighters from several area departments responded to the blaze, which was brought under control within an hour.
The fire leveled the house, a garage, and destroyed two trucks parked at the residence. A shed behind the house was also damaged.
The cause of the fire remains under investigation. McArdle said some neighbors reported hearing "loud booms." He said the residence did have natural gas fed into the house, but he wasn't sure if that was a factor.
"We'll have to piece that together to figure out what that could be," he said.
The state fire marshal's office was contacted, but McArdle said he doesn't believe the fire is suspicious.
Next-door neighbor Laurie Houlihan and her husband were awakened by what sounded like "a loud yelp."
They looked outside and saw the fire beginning to spread at Bartlett?s house.
"It seemed to go fast. It was a huge fire," she said.
She said Bartlett moved into the residence last year. His parents also recently moved into a new house nearby.
Another neighbor, Anita Libby, said she heard popping sounds at the time of the fire.
"By the time we came outside it was in flames," she said.
The extent of Bartlett's burns wasn't known.
"Burns are difficult. You don't know how it's going to affect your system. You have a chance for infection and we wanted to get him to Boston where they have better capabilities," McArdle said.
Bartlett lives alone at the house with his dog. McArdle said the dog was taken to an animal hospital in Brentwood for treatment.
Plaistow firefighters were assisted by fire crews from Atkinson, Brentwood, Danville, Kingston, Hampstead, Newton, Sandown and Haverhill, Mass.
Most of the firefighters left by 6 p.m. with a few Plaistow firefighters remaining at the scene to keep an eye on the smoldering rubble.


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Puget Sound Energy's Responsible Supplier and Contractor Guidelines are aimed at providing information regarding the Company's expectations of entities with which we do business. The guidelines are aimed at providing direction in the contractor selection process in a manner that is consistent with the Company's fiduciary responsibility related to its investments.
Contractors are expected to do what is necessary to operate within these guidelines. Contractors are expected to be familiar with the business practices of their suppliers and sub-contractors and ensure that they operate within the guidelines. Failure to comply with these standards may result in the discontinuance of business relationships.
PSE expects all contractors and sub-contractors to comply with all applicable laws and regulations, such as those pertaining to the environment, safety and employment, and child labor laws. In the process for selection of qualified contractors, the following factors may be taken into account:
In addition, the following will be taken into consideration when awarding service contracts for large construction projects (e.g., more than $5 million for contracts, $1 million for subcontracts) of a non-emergency nature:
To ensure cost-effective and timely service to utility customers, the following situations are not governed by the guidelines:


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Omnivore is constantly at work in the background, analyzing email-campaign data and staying on top of evolving user behavior. If Omnivore detects a suspicious activity, we suspend the account while a team of people investigates—and if it's clear that an account is malicious, we shut it down.
MailChimp's Email Genome Project scans billions of email addresses for information that can improve our deliverability and train Omnivore to recognize abuse. Our technology tests both negative results (like bounces and unsubscribes) and signs of engagement (like opens and clicks), showing us the big picture of any given campaign.
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We're constantly studying and recording user behavior patterns. This allows us to run a large scale scan for users who might be sending campaigns too quickly or obviously trying to stay below MailChimp limits.
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Since our technology prevents abuse on such a massive scale, you'll achieve better deliverability by default — because even problem-free senders benefit from a self-cleaning system.
Omnivore exists not only to prevent abuse within MailChimp's system and maintain our reputation, but also to improve the email ecosystem as a whole.


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Coker had only three hits in the first game and the Falcons mustered only four, but seven combined errors kept runners on the base paths. Pfeiffer took a 1-0 lead in the second and made it 2-0 in the fifth against Coker starter Somer Bigham. Bigham pitched a complete game with four hits allowed, six strikeouts and one earned run.
The Falcons blanked CC through six more innings in the second game to put the Cobras in a tight spot. Pfeiffer made the challenge more difficult in the bottom of the sixth when the scored for a 1-0 advantage. Coker put two runners on base in the seventh and a pinch-hit double by Jacque Stewart drove in a pair and gave the Cobras the win.
Junior Amanda Shelton pitched a complete game for the win with five hits and one unearned run allowed. Marie Mascio had two hits for Coker on the day and Stewart had the team's only two RBI.
The Cobras take the field next at Limestone on Sunday, February 27, at .


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Situated in the heart of Orange County, the City of Orange is a safe, mid-sized community known for its historic architecture, perfect weather and Orange Plaza Historic District. From Chapman University, you can walk to the Plaza to shop, grab a coffee and enjoy some great restaurants.
You are also: just 17 miles from the beach. 12 minutes to Disneyland (Chapman offers an online system to purchase passes). And you're just a Metro-train ride from Los Angeles—the second-largest city in the United States.
Make Southern California your laboratory!
From day one, you can take advantage of Chapman's Southern California location, which blends the ease of small-city living with access to cultural experiences, internships and job prospects in one of the world's most exciting metropolises.
Orange County's natural landscape provides endless opportunities for intellectual and recreational exploration. Whether it's a bonfire at the beach or the study of desert habitat, Southern California offers access to both marine and mountain experiences.
Whether you're interested in business, the arts, science or social entrepreneurship, you will find opportunities to learn, acquire skills and build your resume in Southern California.
And, did we mention the surfing?
You'll come for the academics and Chapman's unique learning environment, but you'll stay for the laid back, beachfront, sun soaked lifestyle and all the wonderful things that Southern California has to offer.


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I have one Car Camera DVR in my car and I found it very practical in our daily life. I spend over 60 minutes daily on the road and this Car Camera DVR has captured many phenomenal clips.
(PRWEB) March 14, 2012
In most cases, traffic accidents are unpleasant to deal with for all parties involved. This is especially true when an accident is in dispute between drivers. But now you can collect valuable information through a new HD Car Camera to determine exactly what happened during the crash and who is at fault, says Atrix President Raymond Choy. Atrix and Home Security Store are selling the new DVRG0101M Atrix HD Car Camera Recorder at a very reasonable price. Choy says it's a smart investment.
"We have more motor vehicles then any country in the world, according to 2007 DOT study, there were an estimated 254.4 million registered motor vehicles in United States. The use of this Car camera DVR is very valuable, it records continuously and digitally to a secure SD card, provides helpful evidence of any accidents or events, thus, avoid disputes and crash and cash scams. Therefore, this Car Camera DVR is sensible to have in our vehicle."
Choy says you can rewind and play recorded video, viewing it on a 2.5 inch LCD display screen that flips out. You can also simply download the images to your computer. The camera also comes equipped with 10 LEDs for excellent picture quality in low light situations.
The Car Camera kit includes a mount suction cup base so you can mount the camera to hang down from your windshield, adds Home Security Store Purchasing Manager Andre Perkic. You can then position the camera in almost any desired position. Perkic says the DVRG0101N Car Camera is lightweight and unique. It can be used for fun or more serious applications.
Choy knows first-hand the benefits of the Car Camera, "I have one Car Camera DVR in my car and I found it very practical in our daily life. I spend over 60 minutes daily on the road and this Car Camera DVR captured many phenomenal clips that I can share with you."
1. There was a car accident on a highway and I recorded paramedics doing their best to save lives.
2. There was a rude cashier at a drive through restaurant, and thanks for the built-in microphone in my Car Camera DVR that recorded the whole conversation at the drive through window. With the easy adjustable camera bracket, I turned the camera to the cashier and told her that my camera was recording, she then changed her mean face to a big smile.
3. There was a morning I rushed to my daughter's school, attending her award assembly. I was so rush that I forgot to bring my video camera. Luckily, my Car Camera DVR has a built-in battery and I took it down and use it as a camcorder. Downloading the video clips was so easy, simply insert the SD card to my laptop and click and drop the video files.
This Car Camera Recorder can be set to automatically record and stop. Once one starts the car, the device will start recording, when one turns off the engine, it will stop and power off. This camera features a 2.2mm mini wide angle lens and its view angle is 120 degree, adds Choy.
"Again, the camera records on an SD card. At high resolution recording, 1 GB records around 10 minutes, and a 32GB SD card can record up to 5 and a half hours. Once the SD card is full, it will recycle the recordings," said Choy.
About Home Security Store, Inc.
Home Security Store is the premiere online ecommerce website specializing in home security, including: affordable DIY wireless and hardwired security systems, security cameras, fire alarm systems, spy equipment, survival gear, and more. The company brings together highly-trained, professional technicians and a state-of-the-art product line to provide the most comprehensive home security source found online. The company offers FREE and FAST shipping, plus FREE tech support. For more go to http://www.homesecuritystore.com


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Analysis: AMD's cryptic asset-smart strategy
Keywords:AMD reorganization? asset-smart plans? business strategy?
Disillusion and skepticism aren't the only emotions that come to mind when analysts and bloggers write about AMD, however. The company's credibility is also being shredded by observers wondering if AMD's management really has a good handle on its now multiyear and continuously evolving cost-reduction strategy.
It also doesn't help that the company's senior executives, including chairman and CEO Hector Ruiz, have been so far unable or unwilling to divulge details of the company's asset-smart manufacturing strategy unveiled one year ago.
This is worrying because AMD is embarking on another reorganization involving a comprehensive evaluation of its businesses with the declared intention of possibly exiting non-core operations.
Analysts are generally declining to raise their ratings on the company or change the core of their mainly negative opinions until the company provides detailed information on its cost-cutting and other strategic management initiatives.
Near future?
They might have a long wait. After dodging persistent questions on its asset-smart/fab-lite manufacturing strategy, Ruiz could only promise last week that the company would provide details in the "near future."
Those details might not be known for some time based on Ruiz's definition of near future. "I am not really trying to be evasive, but I think we are truly making tremendous progress in this area. I do not want to be flippant, but, to me, near future is any time in the next 90 days to the rest of the year," Ruiz said.
It may not be clear to Mr. Ruiz, but he has been both evasive with his answers to questions on the asset-smart manufacturing strategy over the last four quarters and repeatedly flippant with investor concerns about the company's future.
While AMD's management is taking its time working out details of the asset-smart manufacturing strategy, the company's stock is getting clobbered and its costs remain uncompetitive compared to Intel's.
Furthermore, by withholding details of its cost-cutting strategy, the company is alienating OEM customers, many who must wonder if picking AMD processor for their products would be in their long-term interest.
Does Ruiz know the details of the asset-smart plan? Probably. But he also leaves the impression it's a work-in-progress.
"We have made significant progress in our asset-smart strategy, and I am personally driving this effort intensely," Ruiz said. "We are very confident that when the time comes for us to implement our asset-smart strategy, that we will have the opportunity to go through another run of cost reductions."
Credibility under question
If Ruiz wasn't aware that his credibility was on the line, some analysts unhesitatingly pointed this out during AMD's latest conference call with analysts.
Here's an exchange between Ruiz and Ross Seymore of Deutsche Bank on the issue of AMD's newest plan to "scrutinize our non-core businesses and revisit their strategic fit":
Seymore: "I believe we've just hit the one-year anniversary of hearing about the asset-smart or fab-lite strategy and really haven't seen much to do with it. I know it's a difficult and complex strategy. Is there any reason to believe that that scrutiny of your core and non-core businesses would happen any sooner than that sort of one-year anniversary we've already run into on the fab-lite side?"
Ruiz: "I can assure you that it will happen a lot sooner."
We hope it happens a lot sooner, Mr. Ruiz.
- Bolaji Ojo
EE Times
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PARIS (AP) — The Paris prosecutor's office opened an investigation Monday into the real estate holdings of Syrian President Bashar Assad's uncle after watchdogs accused him of corruption.
Transparency International and the French anti-corruption group Sherpa filed a complaint earlier this month, alleging that Rifaat Assad is worth several million euros and that the sum is far beyond what he earned as a Syrian military commander or as the country's vice president. The complaint alleges that this fortune, including several dozen Paris apartments and a luxurious townhouse, must have been built by stealing from Syrian public funds and by abusing his power.
The groups argued that France shouldn't serve as a refuge for ill-gotten gains and called for Rifaat Assad's assets to be frozen so they can't be hidden abroad. Prosecutor's office spokeswoman Agnes Thibault-Lecuivre said a preliminary investigation was opened Monday but that no assets had been frozen. The first step, she said, is to inventory the fortune. Even that might be a difficult task, given Sherpa and Transparency International's claim that much of his holdings are registered under other people's names.
In a 2011 interview, Rifaat Assad told The Associated Press that he had lost all his money in the stock market and lived off the largesse of his 16 children. His son Siwar said at the time that the holdings mostly included real estate but also two TV networks, hotels and a restaurant in Syria.
Siwar told the AP on Monday that his father wasn't worried about the allegations because he was too busy with his work organizing one faction of Syria's opposition. Siwar cast doubt on the allegations, saying that the watchdog groups were just seeking attention.
"The origin (of the fortune) is completely legal," he said.
Rifaat Assad fled into exile after a failed 1984 coup attempt against his brother, then-President Hafez Assad, and lives mostly in France, which awarded him the Legion of Honor. He tried to take power again in Syria in 2000, when his brother died, but the ruling party closed ranks around Bashar, whose forces are now fighting a civil war with a fractured opposition. Bashar Assad has been accused of using chemical weapons against civilians and unleashing his military's might against entire towns and cities.
Rifaat Assad leads one of the groups organized against Bashar and has put himself forward as a possible transition leader.
But he, too, has a reputation as a strongman. Human rights groups say Rifaat led crack army units in an assault that crushed a 1982 uprising in Hama, Syria. The death toll reportedly topped 20,000, a figure never officially confirmed.
Rifaat has denied any role in the Hama massacre, which he said was ordered by his late brother, Hafez. He has also been linked to the 1980 killings of hundreds of prisoners as well as Syrian army abuses in Lebanon in the 1970s and early 1980s. And he has been accused of turning a blind eye to criminality, including drug deals and car thefts in Lebanon.
Associated Press writer Jamey Keaten contributed to this report.


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Oaktree Financial Advisors, Inc.
Oaktree Financial Advisors is an independent financial services firm dedicated to helping people make smart decisions about their money by offering personalized, independent, objective financial advice and the highest level of service. We offer an alternative to the impersonal financial services that abound in today's marketplace - a firm where people can discuss their concerns and be heard by someone who can help them; an atmosphere where people are comfortable.
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Retail sales in the U.S. rose in January for a third consecutive month, as the MAR13 E-mini S&P 500 futures hover around unchanged levels this morning. This market actually made another new high for 2013, hitting 1522 before trading back down to 1516. We believe that the new high of 1522 today may mark a near-term high, and that the market may consolidate from here until any potentially new positive economic data gets released, focusing on next month's jobs report. The U.S. bond market continues to move inverse to the equities, as the US 10-year note is trading down 7.5 ticks today, or down -.2%. As we have noted before, we believe the U.S. bond market has a potential for a big extended slide.
The grains markets have rebounded slightly today from their recent decline, with corn futures (MAR13) trading back to the $7 level from a low today of $6.87. Our key support levels for MAR13 corn are $6.80 and $6.60. Today could be a dead-cat bounce and we could see corn approach $6.80 soon.
Precious metals continue to be in a sideways market, with gold trading down $3 today and silver trading down $.14. FEB13 silver is still above $30, and our next downside target for this market is $27.50.
We focus more on the Aussie Dollar futures contract today. We notice a good rebound in this market this morning, with the Aussie Dollar trading up 47 ticks, or +.46%. The Australian economy is closely linked to the commodities consumption of China. If China continues to grow at a fast a pace, the Aussie dollar may continue to trade above parity to the U.S. dollar. We see 1.02 as a key support level. We believe the decision level for this market is 1.04. If the Aussie can rally back above 1.04, we think that is a very bullish sign.
Click to enlarge.


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Date: Wednesdays | 1:30-2:30pm
Location: Community House
Journey through one of the earliest Jewish dramas – a divided people and a community searching for a common purpose – and uncover the contemporary wisdom in these epic tales. Cantor Suzanne Skloot will be your guide through this fascinating era of Jewish history.
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Constitution Day is observed on September 17 each year to celebrate the date of the signing, in 1787, of the United States Constitution. By law, all educational institutions receiving federal funding must observe Constitution Day. It is a wonderful opportunity to celebrate and discuss our Constitution and system of government, but I invite you to learn more about our government and our Constitution throughout the year, not just on September 17. We hope that you will explore the Maryland Judiciary's website, as well as the links listed here.
In the United States, we have a federal government and constitution. In addition, each state has a separate state constitution and state government. The Constitution of the United States and each state constitution outline the framework of the government, including the executive branch, legislative branch, and judicial branch. Each branch plays an important role: The legislative branch enacts the laws; the executive branch enforces the laws; the judicial branch interprets the laws. These branches are interrelated, yet independent. Together, they make up the system of "checks and balances."
Here are some interesting links to visit:
- See an image of the Constitution of the United States.
- Go up close and in depth: Explore this interactive Constitution through the National Constitution Center's website.
- Learn more about Constitution Day through the National Archives.
- Peruse Maryland's Constitution.
- Did you know that Maryland was the seventh state to ratify the Constitution? Discover more facts about the Constitution.
- Learn about Maryland's court system online.
- Discover the courts from a younger point of view and help children learn with these guides and coloring books.
- Watch Maryland's highest court in action – archived webcasts of Maryland Court of Appeals arguments.
- The National Constitution Center is a museum in Philadelphia that is devoted entirely to the Constitution. For teachers, the museum's website has educational resources, including lesson plans and activities, to connect the Constitution to curriculum.
- Another site for teachers: The Center for Civic Education offers lesson plans for K-12 about the Constitution and American citizenship.
- Which Founding Father are you? The U.S. Constitution was written in 1787 by 55 men who shared one purpose, but who had very different personalities. Take this interactive quiz from the National Constitution Center to learn more and figure out which Founder's personality best fits your own.


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A secure portal allowing our customers and vendors 24/7 access to their operational and financial information.
MSC's California Express service is now to feature a new port of call – Manzanillo in Mexico.
The addition brings a significant customer benefit in transit time and reliability, and provides a direct route to the port as part of the route from Balboa to Long Beach.
Previously, the service had offered only a transshipment facility for Manzanillo.
The change to the California Express service will come into effect on Saturday 9th July with the vessel MSC ANS MC623A.
Final scheduled departures and transit times will be communicated shortly.
For further information, please contact your local office.
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Samsung Galaxy Reverb root development board where you can find guides including rooting, unrooting, ROMs, Hacks, Overclocking, related kernels, and other development topics.
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Check out reviews left by other students or leave your own review. You could win a free scholarship.Add your Review
Daniella from Ellenwood, GA
Reviewer is A current student here.
1 of 5
Categories Comments Campus Safety
This is an open campus, but since it is located in a small city and everyone knows each other it is for the most part safe.
Clubs and Activities
This isn't much clubs and activities but the few that they do have are enjoyable
Great for these types of students
For students who don't need too much of a party life and are creative this is the school for hem
What to do for fun
I am more of a reserved person so for fun I enjoy staying in my room relaxing with a book or watching something on t.v.
Food and Dining
The food could be a lot better with longer dinning hours and variety or food.
Dorm Life
Since this is a small school, students are usually acquainted with one another. For the most part it is a friendly and welcoming environment.
Academic Rigor
I like the learning pace and since it is a small school it is easier to get help.
In three sentences
To sum it sum it up I enjoy being at this school. The only thing is that it is expensive for myself and it would be easier if I had the finances to pay for attending my college.
Brandon from Columbus, GA
Reviewer is Accepted here and planning to attend soon. Reviewer has been to campus.
2 of 5
Categories Comments In three sentences
Brewton Parker is the perfect place to go to college. It's in a small city, the campus is nice , and everything you need is pretty much in walking distance. They also have great athletic facilities, which I plan on using a lot the next four years while playing baseball for Brewton Parker
Melinda from Sharpsburg, GA
Reviewer is A current student here.
3 of 5
Categories Comments Bang for the buck
BPC is a private school but is very affordable. I have been very pleased with the quality of the classes offered and the quality of the faculty.
What to do for fun
I am not an on campus student but have heard that there are many activities provided for those students who do live on campus.
Food and Dining
I am not an on campus student but have heard that the food in the cafeteria is quite good. There are restaurants in the area as well for off campus dining.
Dorm Life
I am not living on campus so cannot give an answer on dorm life.
Academic Rigor
The courses that I have taken have been very challenging and informative - particularly those related to my major.
Tips for prospective students
Make sure that you understand all of the requirements for your major - especially if you are a transfer student.
In three sentences
I am a non-traditional student and BPC has made it very easy for me to go back to school after being out for so many years. Their online classes are very convenient for a working student. The faculty and professors are very helpful and caring.
Kathryn from Mount Vernon, GA
Reviewer is A current student here.
4 of 5
Categories Comments Campus Safety
We have night time security.
Greek Life
Bang for the buck
The school is expensive because it is a private Christian college. I think the money is well worth it because of the education you receive.
What to do for fun
Not a lot to do in this small city. There are several student activities during the week. There is also a mid-sized town within 20 minutes.
Food and Dining
The food is ok. I mostly eat off campus because I am a commuter, but when I don't have the time to cook I am thankful for a healthy meal.
Dorm Life
Many student activities
Academic Rigor
Well trained teachers
In three sentences
Brewton-Parker has a caring faculty and staff. They are truly concerned about your future and they help you to reach your goals. The psychology department is top-notch.
Fredrick from Lynn Haven, FL
Reviewer is Accepted here and planning to attend soon. Reviewer has been to campus.
2 out of 2 people found this review useful. 5 of 5
Categories Comments Great for these types of students
Looking for a small college, with good education and christian environment.
Tips for prospective students
Perform well on ACT and SAT test will greatly help in getting scholarship money at Brewton-Paker.


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Oxford - DecoFlex Letter Size Desktop Hanging File, Plastic, 12-1/4 x 6 x 9-1/2 - Black
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Project Update
Insurance Contracts—Joint Project of the FASB and IASB
Last updated on March 14, 2014. Please refer to the Current Technical Plan for information about the expected release dates of exposure documents and final standards.
(Updated sections are indicated with an asterisk *)
This project update summarizes the project activities and decisions of the FASB and IASB (the Boards). It was prepared by the staff and is for the information and convenience of the Boards' constituents. All decisions of the Boards are tentative, may change at future Board meetings, and do not change current accounting and reporting requirements. Decisions of the Boards become final only after extensive due process.
Project Objective
Due Process Documents
*Outreach/Field Work
*Board/Other Public Meeting Dates
*Background Information
Contact Information
NOTE: This page contains information pertinent to the Joint IASB/FASB insurance contracts project. Please refer to the insurance project page for current information about the FASB's insurance project focusing on targeted improvements to insurance accounting.
PROJECT OBJECTIVEThe objective of this joint IASB/FASB insurance contracts project is to develop common, high-quality guidance that will address recognition, measurement, presentation, and disclosure requirements for insurance contracts (including reinsurance), even if the contracts are not issued by an insurance entity. Specifically, the project is intended to improve, simplify, and converge the financial reporting requirements for insurance contracts and to provide investors with decision-useful information.
Proposed Accounting Standards Update, Insurance Contracts (June 27, 2013)
On June 27, 2013, the FASB issued a proposed Accounting Standards Update, Insurance Contracts (Topic 834).
The main objectives of the guidance in this proposed Update is to increase the decision usefulness of the information about an entity's insurance liabilities, including the nature, amount, timing, and uncertainty of cash flows related to those liabilities, and the related effect on the statement of comprehensive income, and to provide comparability, regardless of the type of entity issuing the contract. The guidance in this proposed Update would require an entity to measure its insurance contracts under one of two measurement models, referred to as the building block approach and the premium allocation approach. The proposed Update would improve convergence of U.S. GAAP and IFRSs by moving towards a more globally comparable standard.
- Download the proposed Accounting Standards Update
- Read the press release introducing the proposed Update
- Read the FASB in Focus—General Overview
- Read the FASB in Focus—Scope Overview
- View the FASB podcast
- Download the slides used in the podcast
- Read the Comment Letters on the FASB proposed Update
- Read the Comment Letter and Other Feedback Summary
- Read the User Outreach Feedback Summary.
Discussion Paper, Preliminary Views on Insurance Contracts (September 17, 2010)
On September 17, 2010, the FASB issued, for public comment, a Discussion Paper, Preliminary Views on Insurance Contracts. The comment period for the IASB Exposure Draft ended on November 30, 2010. The comment period for the Discussion Paper ended on December 15, 2010.
- Download the FASB Discussion Paper.
- Read the Comment Letters on the FASB Discussion Paper
- Read the press release introducing the FASB Discussion Paper.
- Download the IASB Exposure Draft.
- Read the Comment Letters on the IASB Exposure Draft.
- Read a summary of User Outreach.
- Thursday, December 9, 2010 in Tokyo, Japan
- Thursday, December 16, 2010 in London, United Kingdom
- Monday, December 20, 2010 in Norwalk, Connecticut, USA
Invitation to Comment, An FASB Agenda Proposal: Accounting for Insurance Contracts by Insurers and Policyholders, Including the IASB Discussion Paper, Preliminary Views on Insurance Contracts (August 2, 2007)
On August 2, 2007, the FASB issued an Invitation to Comment, An FASB Agenda Proposal: Accounting for Insurance Contracts by Insurers and Policyholders, Including the IASB Discussion Paper, Preliminary Views on Insurance Contracts. The IASB Discussion Paper (issued May 2007) set forth the IASB's preliminary views on the main components of an accounting model for an issuer's rights and obligations (assets and liabilities) under an insurance contract. The comment period for both documents ended November 16, 2007.
- Download the FASB Invitation to Comment.
- Read the Comment Letters on the FASB Invitation to Comment
- Download the IASB Discussion Paper.
- Read the Comment Letters on the IASB Discussion Paper.
*Outreach/Field WorkPublic Roundtable Meetings
The FASB hosted public roundtable meetings on its June 27, 2013 Proposed Accounting Standards Update, Insurance Contracts (Topic 834).
As part of the outreach effort on the June 2013 proposed Update, the Board hosted a series of public roundtables in December 2013.
- December 2nd—FASB office in Norwalk, Connecticut
- 401 Merritt 7
Norwalk, CT 06856
- Session 1: 9:00 a.m. – 12:00 p.m. EST (discussion included topics specific to the Building Block Approach)
- Session 2: 1:00 p.m. – 4:00 p.m. EST (discussion included topics specific to the Premium Allocation Approach)
- 401 Merritt 7
- December 16th—Rosemont, Illinois
- 1:00 p.m. – 5:00 p.m. CST (discussion included scope considerations, topics related to the Building Block Approach and Premium Allocation Approach, and considerations specific to nonpublic and medium-sized entities)
On Tuesday, July 30, the FASB hosted IN FOCUS: The Insurance Contracts Project-Part I, Scope. The webcast featured FASB member Hal Schroeder and FASB staff members discussing the proposal and answering questions submitted by viewers. For more information, click here.
On Thursday, August 1, the FASB hosted IN FOCUS: The Insurance Contracts Project-Part II, The Models. The webcast featured FASB members Tom Linsmeier and Marc Siegel, as well as FASB staff members discussing the proposal and answering questions submitted by viewers. For more information, click here.
The Board meeting minutes are provided for the information and convenience of constituents who want to follow the Board's deliberations. All of the conclusions reported are tentative and may be changed at future Board meetings. Decisions become final only after a formal written ballot to issue a final standard.
|*February 19, 2014
|Board Meeting—Scope and project direction
|*January 22, 2014
|Joint Board Meeting—Feedback summaries
|May 23, 2013
|Board Meeting—Cost-benefit analysis and consideration of complexity, authorization to ballot
|March 6, 2013
|Board Meeting—Treatment of changes in estimated interest crediting and accretion rates, election of the fair value option, other miscellaneous issues
|February 27, 2013
|Board Meeting—Presentation, Disclosure
|February 20, 2013
|Board Meeting—Segregated assets related to direct performance linked insurance contracts, accretion of interest on the margin
|February 13, 2013
|Board Meeting—Reconsideration of the measurement of investment components and the aggregate insurance contracts revenue, transition, effective date and comparative financial statements, early adoption, and comment period
|February 6, 2013
|Board Meeting—Accounting for guarantees, Modifications of insurance contracts, Foreign currency transactions
|January 30, 2013
|Joint Board Meeting—Allocation of insurance contract revenue—change in pattern of expected claims, Considering the transition proposals in the light of subsequent decisions on insurance contracts revenue
|November 20, 2012
|Joint Board Meeting—Discount Rate - Components of Contracts Cash Flows to Which Mirroring Does Not Apply but That Are Affected by Expected Asset Returns
|November 20, 2012
|Board Meeting—Scope - Guarantee Contracts
|November 14, 2012
|Board Meeting—Ceding Commissions, Business Combinations and Portfolio Transfers, Participation Features of Mutual Insurance Companies
|October 17, 2012
|Joint Board Meeting—Presentation in statement of comprehensive income comparison of methods, non-claims fulfillment costs, and acquisition costs
|October 15, 2012
|Joint Board Meeting—Premium allocation approach discount rate follow up, and participating contracts
|October 15, 2012
|Board Meeting—Re-designation of financial assets
|October 3, 2012
|Board Meeting—Measurement of the Aggregate Premium for the Insurance Component
|September 24, 2012
|Joint Board Meeting—Acquisition Costs in the Pre-coverage Period, Transition Requirements
|September 5, 2012
|Board Meeting—Unlocking of the Single Margin
|August 1, 2012
|Board Meeting—Charitable Gift Annuities
|July 25, 2012
|Board Meeting—Title Insurance Contracts, Advertising Costs: Direct Response Advertising
|June 12, 2012
|Joint Board Meeting—Earned Premiums, Unbundling: Allocation of Cash Flows
|May 22-24, 2012
|Joint Board Meeting—Acquisition Costs, Separation of Investment Components from the Insurance Contract, Summary of Separation Approaches, The Use of OCI
|April 18, 2012
|Joint Board Meeting—Reinsurance, Contract Modifications, Riders and Policy Loans
|March 21, 2012
|Joint Board Meeting—Unit of Account, Separation of Investment Components from the Insurance Contract
|March 7, 2012
|Board Meeting—Financial Instruments with Discretionary Participation Features
|February 27, 2012
|Joint Board Meeting—Eligibility Criteria for the Premium Allocation Approach, Mechanics for the Premium Allocation Approach, Measurement of Liabilities for Infrequent, High-Severity Events, Onerous Contracts, Unbundling Goods and Services Components, Financial Instruments with Discretionary Participation Features (IASB only)
|December 15-16, 2011
|Joint Board Meeting—Participating Contracts, Discounting of the Liability for Incurred Claims, Unit of Account, Onerous Contracts
|November 30, 2011
|Board Meeting—Accounting for Participation Features
|November 16, 2011
|Joint Board Meeting—Disaggregation of Explicit Account Balances
|October 20, 2011
|Joint Board Meeting—Fixed-Fee Service Contracts, Premium Allocation Approach, Statement of Financial Position, Statement of Comprehensive Income
|September 19, 2011
|Joint Board Meeting—Risk Adjustment and Disclosures
|September 7, 2011
|Board Meeting—Single Margin and Liability for Incurred Claims
|July 21, 2011
|Joint Board Meeting—Premium Allocation Approach
|June 15, 2011
|Joint Board Meeting—Statement of Comprehensive Income
|June 13, 2011
|Joint Board Meeting—Residual Margin and Acquisition Costs
|May 31, 2011
|Joint Board Meeting—Reinsurance
|May 17-18, 2011
|Joint Board Meeting—Risk Adjustment
|May 11, 2011
|Joint Board Meeting—Policyholder Participation
|May 4, 2011
|Joint Board Meeting—Unbundling
|April 27, 2011
|Joint Board Meeting—Modified Approach
|April 12, 2011
|Joint Board Meeting—Discount Rate
|March 29, 2011
|Joint Board Meeting—Unlocking the Margin and the Insurance Working Group Meeting
|March 22, 2011
|Joint Board Meeting—Risk Adjustment and Contract Boundary
|March 21, 2011
|Joint Board Meeting—Risk Adjustment, Discount Rate, and Unbundling
|March 15, 2011
|Joint Board Meeting—Risk Adjustment, Discount Rate, Initial Recognition, and Definition
|March 14, 2011
|Joint Board Meeting—Presentation, Composite Margin, and Discount Rate
|March 2, 2011
|Joint Board Meeting—Scope, Field Tests, Uncertainty, and Acquisition Costs
|March 1, 2011
|Joint Board Meeting—Discounting and Scope
|February 18, 2011
|Joint Board Meeting—Discount Rate, Cash Flows, Risk Adjustment, Recognition, Residual or Composite Margin, and Presentation
|February 17, 2011
|Joint Board Meeting—Project Axioms and Assumptions, and Discount Rate
|February 16, 2011
|Joint Board Meeting—Unbundling
|February 9, 2011
|Board Meeting—Changes to U.S. GAAP
|February 3, 2011
|Board Meeting—Discount Rate
|February 2, 2011
|Joint Board Meeting—Acquisition Costs
|January 19, 2011
|Joint Board Meeting—Discount Rate
|January 18, 2011
|Joint Board Meeting—Comment Letter Summaries
|December 15, 2010
|Joint Board Meeting—Project Review and Outreach Summary
|July 28, 2010
|Board Meeting—Modified Approach
|July 19, 2010
|Joint Board Meeting—Unbundling, Unit-Linked Contracts, Modified Approach, and Investment Contracts with Discretionary Participating Features
|June 23, 2010
|Joint Board Meeting—Cash flows, Acquisition Costs, Participating Contracts, Unbundling, Presentation, Residual or Composite Margin
|June 15 & 16, 2010
|Joint Board Meeting—Cash Flows, Foreign Currency, Risk Adjustment, Reinsurance, Acquisition Costs, Residual or Composite Margin, Participating Contracts, Insurance Risk, Embedded Derivatives, Derecognition, Portfolio Transfers
|June 10, 2010
|Joint Board Meeting—Participating Contracts and Risk Adjustment
|June 9, 2010
|Board Meeting—Modified Approach
|June 1, 2010
|Joint Board Meeting—Transition, Portfolio Transfers, and Business Combinations
|May 19, 2010
|Joint Board Meeting—Unbundling and Scope
|May 18, 2010
|Joint Board Meeting—Residual Margin, Risk Adjustment, Composite Margin, Unit of Account, and Disclosures
|May 5, 2010
|Board Meeting—Contract Boundaries
|April 22, 2010
|Joint Board Meeting—Discount Rate
|April 14, 2010
|Board Meeting—Use of Other Comprehensive Income
|March 24, 2010
|Joint Board Meeting—Disclosures
|March 23, 2010
|Joint Board Meeting—Risk Adjustment and Participating Contracts
|March 22, 2010
|Joint Board Meeting—Definition and Scope
|March 17, 2010
|Joint Board Meeting—Risk Adjustment
|March 16, 2010
|Joint Board Meeting—Acquisition Costs
|March 15, 2010
|Joint Board Meeting—Residual Margin
|February 10, 2010
|Joint Board Meeting—Reinsurance and Policyholder Accounting
|January 27, 2010
|Board Meeting—Policyholder Behavior and Deposit Floor
|January 19, 2010
|Joint Board Meeting—Measurement Approach, Risk Adjustment, Recognition, Residual Margin, and Policyholder Behavior
|January 5, 2010
|Joint Board Meeting—Unbundling, Presentation, and Embedded Derivatives
|December 16, 2009
|Joint Board Meeting—Measurement Approach and Risk Adjustment
|November 24, 2009
|Board Meeting—Recognition, Embedded Options, and Derecognition
|November 18, 2009
|Joint Board Meeting—Participating Contracts
|October 28, 2009
|Joint Board Meeting—Scope, Measurement Approach, Acquisition Costs, and Presentation
|July 23, 2009
|Joint Board Meeting—Fulfillment Value and Acquisition Costs
|July 21, 2009
|Board Meeting—Risk Adjustment, Measurement Approach, and Discounting
|May 18, 2009
|Board Meeting—Risk Adjustment and Acquisition Costs
|April 2, 2009
|Board Meeting—Cash Flows
|February 25, 2009
|Board Meeting—Measurement Approach for Insurance Contracts
|October 29, 2008
|Agenda decision announcement
*BACKGROUND INFORMATIONIn 2002, the IASB decided to address accounting for insurance contracts in a two-phase project. The first phase of the project was completed in May 2004 with the issuance of International Financial Reporting Standard (IFRS) 4, Insurance Contracts, which provided temporary guidance for insurers adopting IFRSs in 2005. IFRS 4 made limited improvements to accounting practices for insurance contracts, permitted a wide variety of practices to continue, and avoided major changes that might be reversed upon completion of the second phase.
As part of the second phase of the project, in May 2007, the IASB issued a Discussion Paper, Preliminary Views on Insurance Contracts, which focused on developing a comprehensive accounting model for an insurer's rights and obligations (insurance assets and liabilities) arising from insurance activities.
In August 2007, the Board issued an Invitation to Comment, An FASB Proposal: Accounting for Insurance Contracts by Insurers and Policyholders, which included the IASB's Discussion Paper. The Boards' objective in undertaking the proposed project was to develop a common, high-quality standard that addresses recognition, measurement, presentation, and disclosure requirements for insurance contracts. The Board received 45 comment letters in response to the Invitation to Comment, which led to its decision in October 2008 to participate in the project jointly with the IASB. Since then, the Boards have held more than 20 meetings to discuss various proposals to develop a common standard for insurance contracts. Although the project on insurance contracts is a joint project, it is not part of the Boards' Memorandum of Understanding that was issued to acknowledge their commitment to the development of high-quality, compatible accounting standards and further the convergence of U.S. GAAP and IFRSs.
The IASB published an Exposure Draft on financial reporting for insurance contracts on July 30, 2010, which, when finalized, will replace IFRS 4. In developing the IASB's Exposure Draft, most of the discussions about the proposed insurance accounting approaches were held jointly with the FASB. While the Boards reached common decisions in many areas, they reached different conclusions in others. Some Board members prefer the IASB's proposed approach; however, the majority prefers an alternative approach. Regardless of Board members' individual views and uniform commitment to convergence, the Board determined that additional information was needed about whether the possible new accounting guidance would represent a sufficient improvement to U.S. GAAP to justify issuing new guidance. On September 17, 2010, the Board issued, for public comment, a Discussion Paper, Preliminary Views on Insurance Contracts.
The Boards jointly deliberated topics from the FASB discussion paper and IASB exposure draft. On June 27, 2013, the FASB issued proposed Accounting Standards Update, Insurance Contracts (Topic 834) for public comment. In light of the feedback received on the 2013 proposed Update, the Board decided to limit the scope to insurance entities as described in existing U.S. GAAP and that the project should focus on making targeted improvements to existing U.S. GAAP. For short-duration contracts, the Board decided to limit the targeted improvements to enhancing disclosures.
For long-duration contracts, the Board concluded that decisions reached by the IASB in its 2013 IASB Exposure Draft, Insurance Contracts, should be considered when contemplating improvements to existing U.S. GAAP.
For current information about the FASB's insurance project focusing on targeted improvements to insurance accounting, visit the current FASB Insurance Project page.
For additional and current information about the IASB's insurance contracts project visit the IASB Insurance Contracts Project page.
Meredith Brown
Practice Fellow
|Jeremie Richer
Assistant Project Manager
|Jay Shah
Project Research Associate
|Jeff Pooley
Postgraduate Technical Assistant
|Kate Konetzke
Postgraduate Technical Assistant